Is NYC construction funding a loan?

No. It is a merchant cash advance — a purchase of your future revenue at a fixed total cost, not a loan. There is no fixed monthly payment; remittance scales with your deposits.

How fast can a NYC contractor get funded?

Eligible applications with complete documentation typically get a same-business-day decision and funding within 24 to 72 hours. Not all applications result in offers.

Do I need collateral or perfect credit?

No. Underwriting weights your business bank deposits and revenue, not collateral. Bankruptcies, judgments, and prior defaults remain material.

How much funding can I get?

Offers are typically sized to your monthly deposits, so a NYC contractor doing $50,000+ a month can usually access meaningful working capital.

What can I use it for?

Payroll, materials, equipment rental, mobilizing a new job, or bridging retainage and slow GC payments — no use restrictions.

Is this a small business loan?

No. It is a small business loan alternative — a merchant cash advance, not a loan — for NYC construction businesses that want speed or have been turned down by a bank.

New York/New York City

Construction Business Funding in New York City

New York City construction runs on a relentless commercial and residential pipeline, and contractors carry materials, labor, and equipment for weeks before a progress payment or retainage clears. Y Millennial Funding gives NYC construction and trade businesses revenue-based capital structured as a merchant cash advance — not a loan — underwritten on your bank deposits rather than collateral. If your business does $50,000 or more a month and has six-plus months of history, you can get a same-day decision and funding commonly within 24 to 72 hours. Not all applicants qualify.

Apply Now Talk to a Specialist

Merchant cash advances are not loans. Funding amounts, terms, and timing vary based on business performance and underwriting. Not all applicants qualify.

Get Construction & Contractors Funding in New York City

Construction & Contractors in New York City

NYC build-out keeps GCs and subtrades stretched: progress billing, retainage, union payroll, and slow-paying GCs leave busy firms short between payments.

Local Market Insights

Electricians, framers, HVAC, concrete, and finishing trades across the five boroughs front labor and materials and wait 30 to 90 days plus retainage. Revenue-based funding advances against deposits already arriving.

Unique Challenges We Address

Banks move too slowly for materials needed this week and weigh personal credit and real-estate collateral heavily.

New York City Business Environment

Transportation Infrastructure

I-95 (Cross Bronx Expressway)I-495 (Long Island Expressway)I-278 (Brooklyn-Queens Expressway/BQE)I-87 (Major Deegan)FDR DriveBelt ParkwayGrand Central ParkwayHolland and Lincoln TunnelsGeorge Washington BridgeVerrazzano-Narrows Bridge

Business Districts

Financial District (Wall Street)Midtown ManhattanGarment DistrictSoHo/TribecaDowntown BrooklynLong Island CityFlushing (Queens)Hunts Point (Bronx)Brooklyn Navy Yard

How New York City Construction & Contractors Businesses Use Our Funding

Cover payroll while waiting on a progress payment or retainage release.

Buy materials and rent equipment to start a new job.

Bridge the gap between invoicing a GC and getting paid.

Use cases described are illustrative; eligibility and approved amounts are subject to underwriting.

Why Choose Y Millennial Funding?

Same-day decisions available

Funding from $25K to $5M

No collateral required

Flexible repayment terms

Local expertise in New York City

Construction & Contractors industry specialists

Frequently Asked Questions

All funding is subject to underwriting. Information below is general guidance.

Other Industries in New York City

Staffing Agency Factoring & Payroll Funding in New York City, NY

Payroll funding and invoice factoring for NYC staffing agencies. Advances typically 90-95% on timesh...

Construction Business Funding in New York City

Get Construction & Contractors Funding in New York City

Construction & Contractors in New York City

Local Market Insights

Unique Challenges We Address

New York City Business Environment

Transportation Infrastructure

Business Districts

How New York City Construction & Contractors Businesses Use Our Funding

Why Choose Y Millennial Funding?

Frequently Asked Questions

Is NYC construction funding a loan?

How fast can a NYC contractor get funded?

Do I need collateral or perfect credit?

How much funding can I get?

What can I use it for?

Is this a small business loan?

Other Industries in New York City

Staffing Agency Factoring & Payroll Funding in New York City, NY

Trucking & Transportation in New York City, NY

E-commerce & Online Retail in New York City, NY

Manufacturing in New York City, NY

Restaurants & Food Service in New York City, NY

Retail in New York City, NY

Healthcare & Medical Practices in New York City, NY

Auto Repair & Auto Body in New York City, NY

Hotels & Hospitality in New York City, NY

Bars & Nightclubs in New York City, NY

Independent Pharmacies in New York City, NY

Construction Factoring & Contractor Receivables Funding in New York City, NY

Janitorial & Commercial Cleaning Factoring in New York City, NY

Security Guard Company Factoring in New York City, NY

Salons & Beauty Businesses in New York City, NY

Cleaning & Janitorial Services in New York City, NY

Gyms & Fitness Studios in New York City, NY

Landscaping & Lawn Care in New York City, NY

Daycare & Childcare Centers in New York City, NY

Invoice Factoring & Receivables Funding in New York City, NY

Other Markets We Fund

Construction & Contractors in Tampa, FL

Construction & Contractors in Jacksonville, FL

Construction & Contractors in Miami, FL

Construction & Contractors in Orlando, FL

Construction & Contractors in Fort Lauderdale, FL

Construction & Contractors in St. Petersburg, FL

Related Funding Resources

Other Industries We Fund in New York City

Learn More

Ready to Fund Your Construction & Contractors Business?

Helpful Tools

Eligibility Checker

MCA Calculator

Stacking Calculator

How MCA Works

MCA Disclosures